2026 Relocation & Cost Arbitrage Engine

Relocation: Boston-Cambridge-Newton, MA-NH to Duluth, MN-WI

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Income tax, HUD Fair Market Rents and EPI living costs for a move from Boston-Cambridge-Newton, MA-NH to Duluth, MN-WI.

Popular Corridors:
Equivalent Salary
$59,600
To maintain parity
Cost of Living Delta
-40.4%
Overall expenditure basket
Annual Tax Delta
-$497
State + local taxes
Annual 1BR Rent Delta
-$18,684
HUD Fair Market Rents
Net Annual Buffer
+$18,187/yr
Tax + housing gain

Interactive Purchasing Power Equivalency Workbench

Adjust your current salary at origin to dynamically compute the statutory tax burden, housing costs, and discretionary cash in both markets.

Presets:
$
$30,000 $100,000 $200,000 $300,000
Origin Location

Boston-Cambridge-Newton, MA-NH

COL 162.7
Gross Annual Income $100,000
Federal Income Tax -$13,170
FICA (SS & Medicare) -$7,650
State Income Tax -$4,780
Local / City Tax $0
Net Annual Take-Home $74,400
HUD 1BR Fair Market Rent -$30,216
Discretionary Cash Flow $44,184
Target Market
Destination Location

Duluth, MN-WI

COL 96.9
Gross Parity Income $59,600
Federal Income Tax -$4,972
FICA (SS & Medicare) -$4,559
State Income Tax -$2,529
Local / City Tax $0
Net Annual Take-Home $47,539
HUD 1BR Fair Market Rent -$11,532
Discretionary Cash Flow $36,007

EPI family budgets put living costs 40.4% lower in Duluth, MN-WI than in Boston-Cambridge-Newton, MA-NH, so $100,000 in Boston goes about as far as $59,600 in Duluth. HUD's one-bedroom Fair Market Rent is $2,518 a month in Boston and $961 in Duluth, $18,684 a year less. On the same $100,000 salary a single filer pays $497 more a year in federal, state and local income tax and FICA in Duluth. Taxes and one-bedroom rent together leave you about $18,187 a year better off. The BLS median wage across all occupations is $66,620 in Boston and $50,000 in Duluth.

Itemized Cost of Living Expenditure Arbitrage

Category-by-category breakdown of monthly baseline consumption between origin and destination.

Expenditure Category Boston-Cambridge-Newton (Monthly) Duluth (Monthly) Monthly Delta ($) Difference (%)
Housing (1BR Fair Market Rent)$2,518$961-$1,557-61.8%
Food & Groceries$418$358-$60-14.4%
Transportation$1,080$1,081+$1+0.1%
Healthcare$413$442+$29+7.0%
Other Necessities$832$354-$478-57.5%
Total Taxes (Federal, State, Local, FICA)$2,133$2,175+$42+2.0%

HUD Fair Market Rent Differential

1-Bedroom Fair Market Rent -$1,557/mo (-61.8%)
Boston-Cambridge-Newton: $2,518/mo Duluth: $961/mo
2-Bedroom Fair Market Rent -$1,801/mo (-59.9%)
Boston-Cambridge-Newton: $3,008/mo Duluth: $1,207/mo

EPI Living Wage Benchmark Comparison

1 Adult (No Children) -$14.53/hr (-40.4%)
Boston-Cambridge-Newton: $35.97/hr Duluth: $21.44/hr
2 Adults + 1 Child (per earner) -$10.56/hr (-33.6%)
Boston-Cambridge-Newton: $31.43/hr Duluth: $20.87/hr

Top Local Occupations Wage Parity

BLS median wage comparisons across benchmark roles between both metropolitan labor markets.

Occupation Title Industry Sector Boston-Cambridge-Newton Median Duluth Median Nominal Wage Delta Action
General and Operations ManagersFinance & ManagementFinance & Management$133,800$85,930-$47,870 (-35.8%)View Dossier
Registered Nurse (RN)HealthcareHealthcare$106,180$96,940-$9,240 (-8.7%)View Dossier
Software EngineerTechnologyTechnology$166,090$103,500-$62,590 (-37.7%)View Dossier
Accountant & AuditorFinanceFinance$100,150$77,400-$22,750 (-22.7%)View Dossier
Management AnalystBusiness OperationsBusiness Operations$135,640$88,610-$47,030 (-34.7%)View Dossier
Financial ManagerFinanceFinance$209,780$126,800-$82,980 (-39.6%)View Dossier
Computer and Information Systems ManagersFinance & ManagementFinance & Management$214,960$149,710-$65,250 (-30.4%)View Dossier
Project Management SpecialistBusiness OperationsBusiness Operations$114,990$96,550-$18,440 (-16.0%)View Dossier
ElectricianSkilled TradesSkilled Trades$79,910$82,700+$2,790 (+3.5%)View Dossier
Medical and Health Services ManagersFinance & ManagementFinance & Management$136,760$102,610-$34,150 (-25.0%)View Dossier
Financial AnalystFinanceFinance$117,520$89,590-$27,930 (-23.8%)View Dossier
Marketing ManagersFinance & ManagementFinance & Management$213,910$142,080-$71,830 (-33.6%)View Dossier

Major US Inter-Metro Relocation Corridors

Empirical cost differentials and statutory tax savings across high-volume migration routes.

New York-Newark-Jersey City → Austin-Round Rock-San Marcos

On $100k: $8,301 less tax and $14,388 less 1BR rent a year

-30.6% COL+$22,689/yr
San Francisco-Oakland-Fremont → Austin-Round Rock-San Marcos

On $100k: $6,211 less tax and $17,676 less 1BR rent a year

-30.4% COL+$23,887/yr
Chicago-Naperville-Elgin → Dallas-Fort Worth-Arlington

On $100k: $4,805 less tax and $2,928 less 1BR rent a year

-2.2% COL+$7,733/yr
San Francisco-Oakland-Fremont → Columbus

On $100k: $1,729 less tax and $19,884 less 1BR rent a year

-41.0% COL+$21,613/yr
Los Angeles-Long Beach-Anaheim → Phoenix-Mesa-Chandler

On $100k: $4,113 less tax and $10,908 less 1BR rent a year

-13.5% COL+$15,021/yr
Seattle-Tacoma-Bellevue → Denver-Aurora-Centennial

On $100k: $3,761 more tax and $4,188 less 1BR rent a year

-13.6% COL+$427/yr
Boston-Cambridge-Newton → Raleigh-Cary

On $100k: $1,299 less tax and $11,592 less 1BR rent a year

-16.2% COL+$12,891/yr
New York-Newark-Jersey City → Miami-Fort Lauderdale-West Palm Beach

On $100k: $8,301 less tax and $7,296 less 1BR rent a year

-27.3% COL+$15,597/yr

Boston-Cambridge-Newton, MA-NH to Duluth, MN-WI Relocation FAQs

About $59,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (162.7 in Boston-Cambridge-Newton, MA-NH, 96.9 in Duluth, MN-WI, from EPI family budgets); taxes are compared separately below.

Triangular Relocation & Tax Silo

Boston-Cambridge-Newton, MA-NH to Duluth, MN-WI: State Paychecks, Rents & Reciprocal Corridor

Reverse Route: Duluth, MN-WI to Boston-Cambridge-Newton, MA-NH
Relocation: Boston-Cambridge-Newton, MA-NH to Duluth, MN-WI Overview

Boston-Cambridge-Newton, MA-NH to Duluth, MN-WI: 2026 federal, state & local income tax, HUD Fair Market Rents & EPI living costs compared on the same salary. Official 2026 economic data for Relocation: Boston-Cambridge-Newton, MA-NH to Duluth, MN-WI compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
How much salary do I need in Duluth, MN-WI to match $100,000 in Boston-Cambridge-Newton, MA-NH?

About $59,600. That scales $100,000 by the ratio of the metros' cost-of-living indexes (162.7 in Boston-Cambridge-Newton, MA-NH, 96.9 in Duluth, MN-WI, from EPI family budgets); taxes are compared separately below.

Is Duluth, MN-WI cheaper than Boston-Cambridge-Newton, MA-NH?

EPI's family budgets for a single adult put overall living costs 40.4% lower in Duluth, MN-WI than in Boston-Cambridge-Newton, MA-NH. The budgets cover housing, food, transportation, health care and other necessities.